Why Choose Principis?

It’s simple! You want a source of financing for small business that is fast, flexible, and transparent.  That’s what you get when you come to Principis:

Fast

7 days to funding:  We can fund your business within 7 days.   We are the direct source of capital, not a go-between. 

Short application:  The application process is painless - you can complete it within 30 minutes.  Our application is one page long and the only additional documentation we need is a few months of processing and bank statements.

Get more capital when you need it:   If your capital needs grow, we’ll be there to help you.  Many small businesses use us as a line of credit that they draw on when they need funds.  As long as your business remains healthy, we can top up your available credit within a day or two of receiving your request.

Flexible 

You don’t have to have great credit:  We understand that running your own business often takes a toll on your personal credit.  So we don’t penalize you for having scrapes and dents on your credit.  The average credit score of our client base is under 600, and more than 30% of our clients have scores of under 500.

Multiple programs to fit various profiles:   We are not one-size-fits-all.   If your business has been around for a few years and has shown its stability, there is a good chance that you will qualify for our Platinum Program, which has very competitive rates.    If, on the contrary, you have a short or highly volatile business history, or extraordinary risk factors that make it hard for you to find financing elsewhere, you may qualify for our First Up to Bat program.  We have a flavor to fit virtually every merchant.

No fixed repayments:  The payback schedule exactly mirrors your credit card sales volume, so there are no fixed repayment schedules that you have to meet.

Transparent 

No hidden fees:   We do not charge any hidden fees; once we receive your complete application we will send you a proposal within 24 hours, and what you see is what you get.   We will never tack on additional fees of any kind.